Santa Cruz County Home Owners Insurance

The coverage you need in Santa Cruz County, CA

Homeowners in this area know the specific qualities they are looking for in their home owner insurance policy. And being that Santa Cruz County residents pay, on average, $665.00 each year for homeowners insurance- we know just the quotes you are looking for.

That’s why the licensed Santa Cruz County home insurance agents at HomeInsurance.com shop the top providers in your part of the state in order to find all Santa Cruz County homeowners the best rates and coverage that makes the most sense for your home and family.

Find great home insurance quotes in Santa Cruz County by selecting your city below:

Santa Cruz County homeowners insurance Discounts:

• Claims Free Discount: If you have not filed an insurance claim in Santa Cruz or any other county in the past 10 years, you may be eligible for a claims free discount of up to 20% off your homeowners insurance.
• Smoke Alarm Discount: Santa Cruz County homeowners may be able to save up to 15% on home insurance with a smoke alarm discount.
• New Home Discount: If your Santa Cruz County home has been built within the past 10 years you may be eligible for up to 20% off your homeowners premium.

Why You Pay What You Do in Santa Cruz County

Rates vary for many reasons from one county to the next in California. And with over 255,602 residents in Santa Cruz County with an average household income of $59,121, we know how much time you all spend shopping for the best quotes available. But don’t make shopping for home insurance a chore. Understand your coverage and let us shop the best rates for your home.

One of the top factors that determine your home insurance premium is the amount of dwelling coverage you need. Dwelling coverage is calculated by multiplying the square footage of your home by average building costs in your area. (Figure, on average, building costs in Santa Cruz County are around $121 per square foot.) Dwelling coverage should not be confused with your home market value, which includes land value and is the value of your home if it were listed for sale in Santa Cruz County. The average home value in Santa Cruz County is $358,829.

Rates in the area may also be affected by the amount of liability coverage you choose to include in your Santa Cruz County homeowner insurance policy. Liability coverage protects you and your family against lawsuits. The average household in Santa Cruz County is home to 2.78 people, so it’s important to make sure you are all protected by liability insurance.

Get the best rates on Santa Cruz County home insurance by filling out a free quote form and talking with a licensed agent in your area today.